Regulatory framework

restricting the marketing, distribution or sale of contracts for differences to retail clients

prohibiting the marketing, distribution or sale of binary options to retail clients

Adoption of the Guidelines on complaints-handling for the securities (ESMA) and banking (EBA) sectors of 4 October 2018 (JC 2018 35)

Definition of public authorities in the context of exclusions from deposit guarantee

Law of 13 June 2017 on payment accounts and
(1) transposing Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, and
(2) amending the Law of 15 December 2000 on postal financial services, as amended

Details regarding the guidelines of the European Banking Authority on product oversight and governance arrangements for retail banking products (EBA/GL/2015/18)

on the establishment of the standardised list of the most representative services linked to a payment account within the meaning of the Law of 13 June 2017 on payment accounts

on markets in financial instruments

on the protection of financial instruments and funds belonging to clients, product governance obligations and the rules applicable to the provision or reception of fees, commissions or any monetary or non-monetary benefits

EBA/GL/2017/13

Specifications regarding CSSF Regulation N° 16-07 of 26 October 2016 relating to out-of-court complaint resolution

ESMA Guidelines for the assessment of knowledge and competence in the framework of Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU (“MiFID II”) – criteria regarding external training on knowledge and competence

ESMA Guidelines for the assessment of knowledge and competence

on payment accounts

on the application of Regulation (EU) No 655/2014 of the European Parliament and of the Council of 15 May 2014 establishing a European Account Preservation Order procedure to facilitate cross-border debt recovery in civil and commercial matters, amending the New Code of Civil Procedure and the Law of 23 December 1998 establishing a financial sector supervisory commission (“Commission de surveillance du secteur financier”), as amended

relating to the Law of 23 December 2016 1. transposing Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010; and 2. amending the Consumer Code (hereinafter, “Law of 23 December 2016”)

on the modification of the regulatory part of the consumer code

on end-of-season sales and sidewalk sales and misleading and comparative advertising

on market abuse